The Citizens State Bank

Overview / Commentary
402 West Broadway
Okemah, OK 74859

The Citizens State Bank is headquartered in Okemah and is the 149th largest bank in the state of Oklahoma. It is also the 4,481st largest bank in the nation. It was established in 1908 and as of June of 2019, it had grown to 25 employees at 2 locations. The Citizens State Bank's CD rates are 40% higher than the national average, but it has a F health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Citizens State Bank has a relatively low asset base, and a negative return on equity.

Health Grade Components

FDIC Certificate #419
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-14.92%
Return on Equity - YTD-81.12%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$72.5MM$99.8MM
LoansQ2 2019vs Q2 2018$25.6MM$28.6MM
DepositsQ2 2019vs Q2 2018$54.2MM$81.0MM
Equity CapitalQ2 2019vs Q2 2018$10.9MM$15.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$937.00K$1.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.6MM$2.9MM
Real Estate OwnedQ2 2019vs Q2 2018$358.00K$0
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The Citizens State Bank Savings Account Rates


The Citizens State Bank Checking Account Rates

0.30%$25k-Super Now Account
0.25%$2.5k-Now Account

The Citizens State Bank CD Rates

1.46%$2.5k-60 Month CD
1.41%$2.5k-48 Month CD
1.36%$2.5k-36 Month CD
1.31%$2.5k-24 Month CD
1.26%$2.5k-12 Month CD
1.16%$2.5k-182 Day CD
0.75%$2.5k-90 Day CD

The Citizens State Bank Locations
Paden Branch402 West 9th StreetPaden, OK 74860
The Citizens State Bank404 West BroadwayOkemah, OK 74859

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